LinesWC, BOP, Commercial auto, GL, Professional liability
Agent portalYes
Quote APIYes
StatesAL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, NE, NV, NH, NJ, NM, NC, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WV, WI
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Restaurants | WC | AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, NE, NV, NH, NJ, NM, NC, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WV, WI | Restaurants (class 9082) are eligible with no live entertainment. Bars and taverns (9084) are eligible with no live music, dancing, karaoke or bouncers. Neither needs a payroll minimum or loss runs, and both are new-venture eligible (Pie 'Recent success' page, Oct 2026). |
| Retail | WC | AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, NE, NV, NH, NJ, NM, NC, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WV, WI | Retail stores (class 0928) are eligible with no payroll minimum or loss runs. Excludes pawn shops, firearms sales or firearms on premises, airsoft or paintball equipment and THC products (Pie 'Recent success' page, Oct 2026). |
| Contractors | WC | AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, NE, NV, NH, NJ, NM, NC, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WV, WI | Construction is a Pie target class. Residential carpentry (5645) needs $50K minimum payroll, one year of continuous WC, no work above 25 feet and no primarily structural rough framing. Ineligible: over 80% subcontracted payroll, over 30% cash or day labor, asbestos, lead, mold, demolition and blasting (Pie 'Recent success' page and WC underwriting guidelines, Oct 2026). |
| Healthcare | WC | AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, NE, NV, NH, NJ, NM, NC, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WV, WI | Physician and clerical (8832) is eligible with no 24-hour service, detox or psychiatric facilities, or air ambulance. Retirement living centers (8824) need $50K minimum payroll, loss runs and one year of continuous WC (Pie 'Recent success' page, Oct 2026). |
| Hospitality | WC | AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, NE, NV, NH, NJ, NM, NC, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WV, WI | Hotels (class 9052) are eligible and new-venture eligible, with no loss runs required. Pie writes guaranteed cost only, up to $250K modified premium and a 1.99 experience mod (Pie 'Recent success' page and WC underwriting guidelines, Oct 2026). |
| Offices | WC | AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, NE, NV, NH, NJ, NM, NC, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WV, WI | Office and administrative, and real estate, are Pie target classes. New ventures and sole proprietors are accepted, and staffing, PEO and employee leasing firms are ineligible (Pie target classes page and WC underwriting guidelines, Oct 2026). |
| Transportation | WC | AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, NE, NV, NH, NJ, NM, NC, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WV, WI | Trucking and transport is a Pie target class. Medical transportation, freight forwarding or brokering, aircraft and watercraft operators, and railroad operations are prohibited (Pie target classes page and WC underwriting guidelines, Oct 2026). |
| Manufacturing | WC | AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, NE, NV, NH, NJ, NM, NC, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WV, WI | Manufacturing is a Pie target class. Toxic chemical manufacturing, firearm manufacturing, and explosives or fireworks are prohibited (Pie target classes page and WC underwriting guidelines, Oct 2026). |
How to quote Pie Insurance
→Carrier portal. Quote directly in the Pie Insurance agent portal.
→Quote API. Available to platforms and agencies with a direct integration.
→Bold Penguin. Agencies short on appointments needing market access.
→Semsee. Agencies quoting several small-commercial lines.
→Tarmika Bridge. Applied Epic or EZLynx agencies quoting BOP and WC.
Getting appointed
Bold Penguin's Pie guide (updated May 2026) says quoting Pie WC on a direct appointment in its Terminal requires $50,000 in annual bound premium and 5 submissions a month. Bold Penguin Terminal users without one can place Pie WC through its paid Placement Desk.
Sources
- Pie Insurance: Workers' comp underwriting guidelines
- Pie Insurance: Recent success (class-level eligibility examples)
- Pie Insurance: Target classes
- Pie Insurance: States we serve (workers' comp)
- Pie Insurance: Partner resources (appetite checker, product underwriters)
- Pie Insurance: Agency API
- Bold Penguin Help Center: Pie Insurance carrier resource guide (May 2026)
- Semsee: carrier list on homepage
- Applied Systems: Tarmika Carriers List (effective May 29, 2026; WC bindable, live)